As per case facts, the deceased Vijay Kaushal, a labourer, died after falling from a tractor-trolley due to rash and negligent driving while transporting potato sacks. The Claims Tribunal awarded ... compensation, holding the Insurance Company liable. The Insurance Company appealed, contending the labourer wasn't covered under the policy and the driver lacked a valid license. The question arose whether the deceased, an employee of the owner, was covered by the insurance policy, particularly considering an additional premium for employee/driver coverage, and if the driver possessed a valid driving license. Finally, the Court affirmed the Tribunal's findings, holding that the driver indeed had a valid license, and the deceased labourer was covered under the insurance policy, as an extra premium was paid for employee liability and the vehicle was used for its insured agricultural purpose. The appeal by the Insurance Company was dismissed.